Systems and Methods to Set Up an Operation at a Computer System Connected with a Plurality of Computer Systems via a Computer Network Using a Round Trip Communication of an Identifier of the Operation

ABSTRACT

Systems and methods to activate the processing of an allocated resource in operations with a processing system by the use of a round trip communication of the identifier of the resource, in which the resource identifier is communicated from a portal of the processing system to a first website, which passes the resource identifier to a second website during forwarding or redirecting a web browser from the first website to the second website, where the second website provides the resource identifier back to the processing system in communications with the processing system for operations required for the activation of the resource. Upon activation, the resource is processed during a communication session between the first website and the portal (or the processing system).

RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.14/877,126, filed Oct. 7, 2015, which claims the benefit of U.S.Provisional Patent Application No. 62/068,230, filed Oct. 24, 2014, thedisclosures of which are hereby incorporated by reference in theirentirety.

The present application relates to U.S. Pat. App. Pub. No. 2014/0129313,entitled “Systems and Methods to Facilitate an Offer Campaign based onTransactions with Different Merchants”, U.S. Pat. App. Pub. No.2012/0078697, entitled “Systems and Methods to Program Operations forInteraction with Users,” U.S. Pat. App. Pub. No. 2012/0072997, entitled“Systems and Methods to Modify Interaction Rules during Run Time,” U.S.Pat. App. Pub. No. 2012/0066064, entitled “Systems and Methods toProvide Real-Time Offers via a Cooperative Database,” the entiredisclosures of which applications are hereby incorporated herein byreference.

FIELD OF THE TECHNOLOGY

At least some embodiments disclosed in the present application relate tothe coordination of a plurality of separate computer systems connectedvia computer networks to set up the processing of a predetermined taskat a time when a set of predetermined conditions are satisfied.

BACKGROUND

In a system having multiple computer systems connected via one or morecomputer networks, resources for processing a task may reside indifferent computer systems. The use of a predetermined communicationprotocol allows the computer systems to communicate with each other in apredetermined way to utilize the resources that may be distributed amongthe computer systems for the processing of the task. Improvements to thecommunication protocol can improve the performance of the system as awhole and/or improve the functionalities of the system as a whole. Insome instances, improvements to the communication protocol can improvethe performance of some of the individual computer systems and/orimprove the functionalities of the individual computer systems.

For example, a typical electronic payment processing network has atransaction handler interconnecting a plurality of acquirer processorsand a plurality of issuer processors according to an electroniccommunication standard. The transaction handler is generally a specialpurpose computer system that is substantially independent from othercomputer systems in the network, such as issuer processors and theacquirer processors, which are special purpose computer systemsconfigured to control accounts from which payments are made and specialpurpose computer systems configured to control accounts to which thepayments are made, respectively.

A typical electronic payment processing network has the capability toprocess certain transactions, such as credit card or debit cardtransactions, but may not have the capability process othertransactions, such as add-on transactions (e.g., loyalty reward, benefitredemption) coupled with regular transactions.

Some recent developments provided improved electronic payment processingnetworks that have the improved capability to process certain add-ontransactions coupled with conventional electronic payment transactions,such as those disclosed in U.S. Pat. App. Pub. No. 2014/0222533,entitled “Systems and Methods to Use Transaction AuthorizationCommunications to Process Individualized Offers,” U.S. Pat. App. Pub.No. 2013/0282461, entitled “Systems and Methods to Use TransactionAuthorization Communications to Process Offers,” U.S. Pat. App. Pub. No.2013/0246150, entitled “Systems and Methods to Apply the Benefit ofOffers via a Transaction Handler,” U.S. Pat. App. Pub. No. 2013/0091000,entitled “Systems and Methods to Provide Discount at Point of SalesTerminals,” U.S. Pat. App. Pub. No. 2013/0124287, entitled “Systems andMethods to Provide Discount at Point of Sales Terminals,” and U.S. Pat.App. Pub. No. 2011/0125565, entitled “Systems and Methods forMulti-Channel Offer Redemption,” the disclosures of which applicationsare hereby incorporated herein by reference.

There are challenges in implementing the additional capabilities withminimum impact to the performance of the core functionalities of theelectronic payment processing network.

The disclosures of the above discussed patent documents are herebyincorporated herein by reference.

BRIEF DESCRIPTION OF THE DRAWINGS

The embodiments are illustrated by way of example and not limitation inthe figures of the accompanying drawings in which like referencesindicate similar elements.

FIG. 1 shows a system configured to set up the processing of anallocated resource for processing at a time when a predetermined set ofconditions are satisfied according to one embodiment.

FIG. 2 shows a system configured to set up the processing of anallocated resource for processing at a time after required operationsare performed at one website and during the processing of operations atanother website according one embodiment.

FIG. 3 shows a method to set up an operation at a computer systemconnected with a plurality of computer systems via a computer networkusing a round trip communication of an identifier of the operationaccording to one embodiment.

FIG. 4 shows a system to activate an offer according to one embodiment.

FIG. 5 illustrates a system to provide services based on transactiondata according to one embodiment.

FIG. 6 shows a system to provide information based on transaction dataaccording to one embodiment.

FIG. 7 illustrates a transaction terminal according to one embodiment.

FIG. 8 illustrates an account identifying device according to oneembodiment.

FIG. 9 illustrates a data processing system according to one embodiment.

DETAILED DESCRIPTION

In one embodiment disclosed herein, an identifier of a resource ispropagated, using a communication portal of a processing system afterthe resource is allocated in the data warehouse of the processingsystem, to a first website, which forwards a web browser together withthe identifier of the resource to a second website to perform operationswith the processing system, during which operations the second webprovides the identifier of the resource back to the processing system.Upon receiving the identifier of the resource back in the processingsystem from the second website, the processing system configures in thedata warehouse the resource to be processed in connection withoperations with the first website.

The use of the round trip communication of the identifier of theresource delays the configuration of the processing of the resource at alater time after the operations with the second website are performed.Thus, the processing system does not have to monitor the operations withthe first website for the processing of the resource before theoperations with the second website are completed. The technique at leastreduces the computing workload at the processing system during theperiod of time between the allocation of the resource and the receivingof the identifier of the resource back from the second website, and thusimproves the efficiency of the processing system.

FIG. 1 shows a system configured to set up the processing of anallocated resource for processing at a time when a predetermined set ofconditions are satisfied according to one embodiment.

In FIG. 1, a processing system (11) has a communication portal (13) anda data warehouse (21).

During a communication session between the portal (13) and a website A(15), the portal (13) allocates (31) the resource (23) for processingduring operations between the website A (15) and the processing system(11), scheduled after relevant operations between a website B (17) andthe processing system (11). The availability of the resource (23) ispresented to a web browser (19).

In FIG. 1, a resource ID (25) is assigned to represent the resource(23). The resource ID (25) is communicated from the portal (13) to thewebsite A (15), the web browser (19), the website B (17), and back tothe processing system (11) during the operations between the website B(17) and the processing system (11). After the resource ID (25) isreceived back in the processing system (11) during the operationsbetween the website B (17) and the processing system (11), the status(27) is updated to activate the processing of the resource (23). Thus,the activation of the processing of the resource (23) is at leastdelayed for a period of time during which the resource (23) should notbe processed.

In one embodiment, the portal (13) provides (33) the resource ID (25) tothe website A (15) during presentation of the availability of theresource (23). The website A (15) indicates the availability of theresource (23) to the web browser (19) and forwards/redirects the webbrowser (19) to the website B (17). In forwarding the web browser (19)to the website B (17), the website A (15) provides (35) the resource ID(25) to the website B (17) via the web browser (19).

For example, the portal (13) and/or the website A (15) is configured inone embodiment to embed the resource ID (25) in a uniform resourcelocator (URL) pointing to the website B (17), such that when the webbrowser (19) is forwarded/redirected to the website B (17), the resourceID (25) is received in the website B (17). During the subsequentcommunication session between the web browser (19) and the websiteB(17), the web browser (19) initiates (37) the operations between thewebsite B (17) and the processing system (11), during which the websiteB (17) provides (39) the resource ID (25) back to the processing system(11). In response, the processing system uses (41) the resource ID (25)to update the resource status (27) and thus activate the processing ofthe resource during operations between the website A (15) and theprocessing system (11).

In one embodiment, the processing system (11) is configured to monitorthe presence of a resource ID (e.g., 25) in operation communications. Ifthe resource ID (e.g., 25) is provided in a data field of acommunication, the processing system (11) updates the data warehouse(23), or instructs the portal (13) to update the data warehouse (23).

In one embodiment, after the processing of the resource at theprocessing system (11) is activated, the processing system (11) isfurther configured to process tasks to monitor operations to detectrelevant operations with the website A (15) during which the resource(23) is processed, as illustrated in FIG. 2.

FIG. 2 shows a system configured to set up the processing of anallocated resource for processing at a time after required operationsare performed at one website and during the processing of operations atanother website according one embodiment.

In FIG. 2, the web browser (19) initiates (37) the operations betweenthe website B (17) and the processing system (11) using an account ID(25) configured to identified an account in the processing system (11).The operations between the website B (17) and the processing system (11)are preformed using the account identified by the account ID; and thusthe account ID (25) is provided (39) with the resource ID (25) during acommunication for the operations between the website B (17) and theprocessing system (11). In response, the processing system (11) and/orthe portal (13) actives the resource (23) for processing duringsubsequent operations between the website A (15) and the processingsystem (11).

In FIG. 2, to active the resource (23) for processing, the datawarehouse (21) stores the account ID (25) in association with theresource (23) identified by the ID (25). Subsequently, when the webbrowser (19) visits the website A (15) (e.g., after beingforwarded/redirected back to the website A (15) by the website B (17),or visiting the website A (15) in a new session independent from thesession with the website B (17)), the web browser (19) initiatesoperations between the website A (15) and the processing system (11)using the account ID (25). Since the resource (23) has been activatedfor processing and is associated with the account ID (25), theprocessing system (11) detects the communication for the operations (43)between the website A (15) and the processing system (11) using theaccount ID (25). Thus, during the operations (43) between the website A(15) and the processing system (11) using the account ID (25), theprocessing system (11) processes (45) the resource (23).

In some embodiments of FIG. 1, after the operations between the web siteB (17) and the processing system (11) are performed using the account ID(25), the website B (17) forwards/redirects the web browser (19) back tothe website (15) with or without indicating the resource (23). Thewebsite A (15) communicates with the portal (13) to check for availableresources (e.g., 23). Since the status (27) of the resource (23) hasbeen updated (41) to activate the resource (23) for processing, theportal (13) communicates the resource (23) to the website A (15). Thus,the website A (15) can apply the resource (23) in relevant operationsbetween the website A (15) and the processing system (11). Such anarrangement further removes the task of monitoring and detecting theoperations relevant to the resource from the processing system (11) andthus further improves the performance of the core functionalities of theprocessing system (11).

FIG. 3 shows a method to set up an operation at a computer systemconnected with a plurality of computer systems via a computer networkusing a round trip communication of an identifier of the operationaccording to one embodiment.

For example, the method of FIG. 3 can be implemented in a system asillustrated in FIG. 1 or FIG. 2.

In FIG. 3, a portal (13) of a processing system (11) communicates (51)with a first website (15) to allocate a resource (23) to be used duringapplicable operations in the processing system (11).

The portal (13) and/or the first website (15) provides (53) anidentifier (25) of the resource (23) in a uniform resource locator (URL)used by the first website to forward or redirect a web browser (19) to asecond website (17).

The web browser (19) communicates (55) with the second website (17) toinitiate first operations in the processing system (11) related to thesecond website (17), using an account identifier (25) provided by theweb browser (19), during which operations the identifier (25) of theresource (23) is transmitted to the processing system (11).

In response to the receiving of the identifier (25) of the resource (23)in the processing system (11) during the first operations, theprocessing system (11) and/or the portal (13) associate (57) the accountidentifier (25) with the resource (23) in a data warehouse (21) coupledwith the processing system (11) to activate monitoring for secondoperations related to the first website (15) using the accountidentifier (25).

Subsequently, during the processing of the second operations related tothe first website (15) using the account identifier (25), the processingsystem (11) processes (59) the allocated and activated resource (23).

In some embodiments, the first website (15) communicates with the portal(13) to process the allocated and activated resource (23) during thesecond operations related to the first website (15). In suchembodiments, the processing system (11) does not have to monitoringgeneral operations to detect the applicable second operations related tothe first website (15).

The techniques discussed above in connection with FIGS. 1-3 can be used,for example, to the processing of the benefit of an offer during theoperations of payment transactions processed in an electronic paymentprocessing network.

For example, the portal (13) may communicate with the website A (15) toprovide an offer that has a benefit applicable to a payment to thewebsite A (15), after the user of the web browser (19) is referred tothe website B (17) to make a payment to the website B (17) for apurchase made in the website B (17). After an identifier of the offer istransmitted through the portal (13), to the website A (15), the webbrowser (19), the website B (17), and back to the processing system (11)configured in the electronic payment processing network, the offer isactivated for processing in a payment transaction with the website A(15), after the web browser completes the purchase from the website B(17) and proceeds with a purchase from the website A (15). Theactivation of the offer allows the website A (15) or the transactionprocessing system (11) to apply the benefit of the offer to the paymenttransaction with the website A (15).

In one embodiment, for example, the processing system (11) is atransaction handler of an electronic payment processing network.

In one embodiment, a system and method is configured to active an offerof a first merchant based on a payment transaction with a secondmerchant. The described system and method is configured to use around-trip transmission of an offer ID to facilitate the real timeactivation of such an offer. The method operates by an offer platformgenerating a unique ID for an offer presented to a user. When the useris referred by the first merchant to the second merchant for a purchase,the unique ID is provided to the second merchant with the referral.During the payment transaction with the second merchant, theauthorization request from the second merchant is configured to includethe unique offer ID. The payment processing system is configured toreceive the unique ID in the authorization request and provide theunique ID to the offer platform if the payment transaction is approved.Based on the real time notification from the payment processing system,the offer platform activates the offer. As a result of the system, themerchant systems are can be simply configured to support thetransmission of offer IDs for reliable processing of such offers thatare activated based on the payment transactions on other merchants(e.g., advertising merchants).

For example, in one embodiment, an offer system includes a hostingmerchant and an advertising merchant. The hosting merchant provides anoffer to a user with a benefit applicable to a purchase from the hostingmerchant. The offer is activated upon the user makes a purchase from theadvertising merchant that is advertised on the hosting merchant.

For example, after the offer is presented to the user, the hostingmerchant may refer the user to the advertising merchant to make thepurchase required to active the offer. For example, when the user isvisiting the website of the hosting merchant, the offer can be presentedelectronically; and the user may select the offer to follow a link to awebsite of the advertising merchant. The link may include anidentification of the offer presented to the user and request theadvertising merchant to include the identification of the offer in apayment transaction made by the user as a result of the referral.

In one embodiment, the data format of authorization requests isconfigured to include an optional field to host the identification ofthe offer. When an authorization request including such anidentification of the offer is received, a payment processing apparatusin the payment processing network, such as a transaction handler, anissuer processor, or an acquirer processor, can detect the transmissionof the offer identification and extract the offer identification foroffer processing.

For example, the extracted offer identification can be communicated toan offer platform coupled with the payment processing apparatus toactivate the offer in real time with the authorization of the payment tothe advertising merchant.

The authorization request of the invention can be used to activate theoffer from the hosting merchant, upon completion of the transaction withthe advertising merchant.

For example, once the offer is activated, the benefit of the offer canbe applied to the payment made by the user to the hosting merchant.

For example, the offer of the advertising merchant may be presented tothe user at the stage of the user checking out for a purchase made bythe user from the hosting merchant. If the user accepts the offer, theuser is directed to the advertising merchant for a purchase. If the usermakes the required purchase, the identification of the offer from theoffer platform and provided to the advertising merchant is provided tothe payment processing apparatus via the authorization request for thepayment made to the advertising merchant, and further routed to theoffer platform for activation. Thus, upon completion of the purchasewith the advertising merchant, the offer is activated in real time; andthe user may continue the checking out process at the hosting merchant.During checking out at the host merchant, the offer platform applies thebenefit of the activated offer to reduce the amount of payment required.

In some embodiments, after the offer is activated, the paymentprocessing apparatus may provide the benefit of the offer to the uservia adjusting the transaction amount specified in an authorizationrequest for a payment account of the user, in a way as illustrated inU.S. Pat. App. Pub. No. 2013/0124287, U.S. Pat. App. Pub. No.2013/0091000, both entitled “Systems and Methods to Provide Discount atPoint of Sales Terminals”, the entire disclosures of which applicationsare hereby incorporated herein by reference.

In one embodiment, when the benefit of the offer is not solely sponsoredby the hosting merchant, the benefit of the offer can be provided to theuser during the processing of the authorization of a payment transactionto the hosting merchant, in a way as illustrated in U.S. Pat. App. Pub.No. 2013/0246150, entitled “Systems and Methods to Apply the Benefit ofOffers via a Transaction Handler”, the entire disclosure of whichapplication is hereby incorporated herein by reference.

In one embodiment, during the activation of the offer, a trigger recordis generated for the transaction handler to detect transactions that maybe relevant to the offer. The trigger record specifies a portion of therequirements a payment transaction is to meet in order to be qualifiedfor the benefit of the offer. The transaction handler uses the triggerrecord to filter the transactions being processed to select a subset oftransactions for further processing and determining from the subset ofthe transactions a relevant transaction that satisfies all of thebenefit redemption requirements of the offer. The generation of thetrigger record upon the receiving of the identification of the offer viaan authorization request for a required payment transaction with theadvertising merchant improves the performance of the transactionhandler, by reducing the time period the trigger record is to beoperated upon for filtering operations.

In one embodiment, systems and methods are configured to transmit, in anauthorization request for a payment to a first merchant, theidentification of an offer of a second merchant. During the processingof the authorization request for the first merchant, the identificationof the offer of the second merchant is extracted. The extracted offeridentification can be used to active the offer in response to theauthorization of the payment to the first merchant.

FIG. 4 shows a system to activate an offer according to one embodiment.

In FIG. 4, an offer platform (185) is coupled with a hosting merchantwebsite (181) to present offers (e.g., 186) of the hosting merchant, andto apply the benefits of offers.

For example, the offer platform (185) may be integrated with anelectronic shopping cart system running on the hosting merchant website(181). In response to the user (101) making a purchase from the hostingmerchant via the point of interaction (107), the offer platform (185)may present an offer (186) of an advertising merchant (183) that isgenerally different from the hosting merchant, but may be the same asthe hosting merchant in some instances.

For example, the offer platform may select the offer (186) based on thepurchases made by the user (101) and/or the transaction profile (e.g.,131) of the user (101) when the identity of the user (101) isdetermined.

When the offer (186) presented on the hosting merchant website (181) isselected by the user (101), via the use of the point of interaction(107), such as a web browser running in a user computing device, thehosting merchant website (181) is configured to refer the user (101) tothe advertising merchant website (183). The referral (197) includes theoffer ID (187) of the offer (186), which uniquely identifies the offer(186) presented on the hosting merchant website (181) to the user (101),among various offers provided by the offer platform (185).

In one embodiment, the referral (197) is configured to serve as arequest to transmit the offer ID (187) in an authorization request(e.g., 191) for a payment made by the user (101) as a result of thereferral (197).

After the user (101) is referred to the advertising merchant website(183), the user (101) may make a required purchase (or any purchase)from the advertising merchant website (183).

For example, in one embodiment, the requirement of the purchase foractivating the offer (186) can be satisfied by any purchase.Alternatively, a predetermined purchase requirement may be establishedbased on a spending threshold, a category of items purchased, etc. Insome embodiments, the requirement can be transmitted to the advertisingmerchant website via the referral (197). In other embodiments, theadvertising merchant website (183) may look up the requirements from theoffer platform using the offer ID (187). In further embodiments, therequirement is formulated based on information transmitted via theauthorization request (191), such as the transaction amount (199), thedate and time of the transaction, purchase details (e.g.,identifications of items purchased) transmitted in the authorizationrequest (191), etc.

In FIG. 4, when the user makes a purchase from the advertising merchantwebsite as a result of the referral (197), the advertising merchantwebsite (183) is configured to include the offer ID (187) in theauthorization request (191) for the payment transaction to payment theadvertising merchant.

In FIG. 4, the payment transaction is between the consumer account(146), issued to the user (101) and controlled by the issuer processor(145), and the merchant account (148) controlled by the acquirerprocessor (147) on behalf of the advertising merchant.

The transaction handler (103) of the payment processing network (e.g.,as illustrated in FIG. 6) is configured to route the authorizationrequests (e.g., 191) to the respective issuer processors (e.g., 145)that controls the respective payment accounts (e.g., 146) and route thecorresponding authorization responses (e.g., 195) back to the respectiveacquirer processors (e.g., 147) of the merchants.

In FIG. 4, the offer platform (185) is coupled with the transactionhandler (103) to obtain the offer ID (187) transmitted in theauthorization request (191). In response to the offer ID (187)transmitted in the authorization request (191), the offer platform (185)updates the activation status (189) of the offer (186) to activate theoffer (186) for benefit redemption.

Thus, in response to the authorization response (195) for the paymenttransaction requested by the authorization request (191), thetransaction handler (103) and the offer platform (185) activates theoffer (186), such at the use (101) can obtain the benefit of the offer(186) as soon as the payment transaction is approved.

For example, the offer platform (185) may be integrated with theelectronic shopping cart system running on the hosting merchant website(181). Once the offer (186) is activated, the electronic shopping cartsystem automatically shows the discount provided by the offer (186), andthe user (101) can verify the benefit before committing a payment to thehosting merchant website (181) and/or finalizes the purchase from thehosting merchant website (181).

FIG. 4 illustrates the use of the offer ID transmitted in theauthorization request, transmitted for a payment to the advertisingmerchant, to activate the offer (186) from a different merchant (e.g.,the hosting merchant (181)). The system can also be used to activate anoffer of the same advertising merchant.

In one embodiment, one or more of the components illustrated in FIG. 4,such as the transaction handler (103), the offer platform (185), thedata warehouse (149), the issuer processor (145), the acquirer processor(147), the hosting merchant website (181), the advertising merchantwebsite (183), and/or the point of interaction (107), is implementedusing one or more data processing systems, such as a data processingsystem illustrated in FIG. 9.

In one embodiment, an offer system is configured to present an onlineoffer for qualified consumer that depends on the completion of anotheronline purchase. The authorization request (191) containing the offer ID(187) can be used to verify accurately and immediately upon theauthorization of the payment transaction for the online purchaserequired for the offer redemption.

For example, a consumer is shopping on Ticketmaster.com and adds 2concert tickets to their shopping cart. On the Check-out page, theconsumer is offered 25% discount (Ticketmaster gets the offer from theoffer platform) on their ticket purchase if he/she spend $50 or more atMacys.com. The offer platform generates an OfferId (e.g., “1K2CGP9”) touniquely identify the offer presented to the consumer, among similaroffers presented to other consumers shopping on Ticketmaster.com. Afterthe consumer accepts the offer by clicking on the offer, the consumer isredirected to Macys.com with an indication of “OfferId=1K2CGP9” in thereferral. The consumer submits a payment made using a payment account(e.g., a credit account, a debit account, a prepaid account) for apurchase of $55 at Macys.com. Macys.com sends an authorization requestwith OfferId=1K2CGP9 to the transaction handler via a respectiveacquirer of Macys.com. Once the Transaction is authorized, thetransaction handler sends the authorization details with theOfferId=1K2CGP9 to the offer platform, which Activates the 25% discountat ticketmaster.com. After the consumer returns or is redirected back tothe TicketMaster.com's check-out page. Once the consumer submits thepayment made using a payment account (e.g., a credit account, a debitaccount, a prepaid account) for the purchase of the 2 concert tickets,TicketMaster.com sends the authorization request for the payment of theconcert tickets with OfferId=1K2CGP9. The transaction handler discountsthe transaction amount 25% by reducing transaction amount requested fromthe issuer processor of the payment account of the consumer. Thus, theconsumer pays the reduced amount that includes the 25% discount.

In one embodiment, the discount provided by the hosting merchant (e.g.,TicketMaster.com) is sponsored at least in part by the advertisingmerchant (e.g., Macys.com). The transaction handler (103) is configuredto charge the merchant account (148) to compensate the hosting merchantfor the portion of the discount sponsored by the advertising merchantand/or the advertising fee for presenting the offer (186).

In one embodiment, the authorization request (191) containing the offerID (187) can also be used to track the completion of purchases resultingfrom an offer.

For example, advertising merchants want to present offers/advertisementsto online shoppers while they are browsing, or shopping on, the websitesof other merchants. Merchants operating the hosting websites thatpresent the offers are compensated (e.g., by the advertising merchants)if a presented offer has been completed.

In one embodiment, after the offer (186) of an advertising merchant ispresented, via the offer platform (185), on the website (181) of ahosting merchant, the offer platform (185) stores in the data warehouse(149) the offer ID (187) in association with the hosting merchantwebsite (181). After the user (101) is redirected, via the referral(197) that contains the offer ID (187), to the advertising merchantwebsite (183), the advertising merchant website (183) is configured totransmit the offer ID (187) in the authorization request (191) for apayment transaction made as a result of the referral (197). In responseto the authorization request (191) contains the offer ID (187), thetransaction handler (103) is configured to provide the benefit of theoffer to the user via the processing of the payment transaction in theconsumer account (146) of the user (101), in a way as discussed aboveand further described in U.S. Pat. App. Pub. No. 2013/0124287, U.S. Pat.App. Pub. No. 2013/0091000, both entitled “Systems and Methods toProvide Discount at Point of Sales Terminals”, and U.S. Pat. App. Pub.No. 2013/0246150, entitled “Systems and Methods to Apply the Benefit ofOffers via a Transaction Handler”, the entire disclosures of whichapplications are hereby incorporated herein by reference.

In one embodiment, based on the data associating the offer ID (187) withthe hosting merchant website (181) in the data warehouse (149) and inresponse to the authorization request (191) containing the offer ID(187), the offer platform (185) and/or the transaction handler (103) isconfigured to compensated the hosting merchant for presenting the offer(186).

In one embodiment, the compensation provided to the hosting merchant isin response to an authorization response (193) approving the paymenttransaction requested by the authorization request (191). In someembodiments, the transaction handler (103) is configured to redirect aportion of the payment requested by the authorization request (191) tocompensate the hosting merchant.

For example, the transaction handler (103) may generate a companiontransaction to pay the hosting merchant using an account of theadvertising merchant in response to the redemption of the offer (186)identified by the authorization request (191).

For example, the transaction handler (103) may split the payment fromthe consumer account (146) into a first payment to the merchant account(148) in response to the authorization request (191) and a secondpayment to an account of the hosting merchant website (181) tocompensate the hosting merchant. The transaction handler (103) combinesthe two payments as a single payment transaction in the consumer account(146). The transaction handler (103) and/or the offer platform (185) isconfigured to inform the advertising merchant of the compensationprovided to the hosting merchant website (181). For example, in oneembodiment, the transaction handler (103) is configured to insert anindication of an advertising fee charged for the offer ID (187) in anauthorization response provided to the advertising merchant website viathe acquirer processor (147). For example, the authorization response(193) approving the authorization request (191) may include the offer ID(187) to indicate that a difference between the requested transactionamount (199) and the approved transaction amount has been provided tothe hosting merchant website (181) as the compensation for thepresentation of the offer (186) of the advertising merchant.

In some embodiments, the advertising merchant website (183) isconfigured to provide the benefit of the offer (186) to the user (101)(e.g., by reducing the total price, offer one or more items free ofcharge) and use the offer ID (187) in the authorization request (191) toreport the completion of the offer (186). In response to the offer ID(187) provided in the authorization request (191), the offer platform(185) deactivates the offer (186) and/or compensates the hostingmerchant website (181).

The systems discussed above in connection with FIGS. 1-4 can furtherinclude other enhancements as discussed below.

For example, based on the transaction data, an advertising network inone embodiment is provided to present personalized or targetedadvertisements/offers on behalf of advertisers. A computing apparatusof, or associated with, the transaction handler uses the transactiondata and/or other data, such as account data, merchant data, searchdata, social networking data, web data, etc., to develop intelligenceinformation about individual customers, or certain types or groups ofcustomers. The intelligence information can be used to select, identify,generate, adjust, prioritize, and/or personalize advertisements/offersto the customers. The transaction handler may be further automated toprocess the advertisement fees charged to the advertisers, using theaccounts of the advertisers, in response to the advertising activities.

For example, the computing apparatus can be configured to generatetrigger records for a transaction handler to identify authorizationrequests that satisfy the conditions specified in the trigger records,identify communication references of the users associated with theidentified authorization requests, and use the communication referencesto target real-time messages at the users in parallel with thetransaction handler providing responses to the respective authorizationrequests. Details in one embodiment regarding the generation anddelivery of messages in real-time with the processing of transactionscan be found in U.S. Pat. No. 8,359,274, the disclosure of which ishereby incorporated herein by reference.

For example, the computing apparatus can be programmable for real-timeinteraction with users to provide messages and/or offers, validatefulfillment conditions, and provide benefits to qualified users tofulfill the offers. In one embodiment, the computing apparatus isconfigured to be programmed via accepting definitions of independentevents and linking the events via prerequisite requirements to specifyqualification conditions. The linked events form a flow or network ofevents; and user progress in the flow or network of events is tracked.The operations for each event are performed in an atomic way to allowthe user positions in the flow or network of events to be identified asbeing in between adjacent events in the network. As a result, theprogramming of the real-time interaction, including the offer rules andmessages, can be easily modified during the execution of theprogramming. Details in one embodiment regarding the formulation andmanagement of real-time interaction can be found in U.S. Pat. App. Pub.No. 2012/0078697, the disclosure of which is hereby incorporated hereinby reference.

For example, the computing apparatus can be configured to allow a userto use any of a plurality of registered accounts to participate in anoffer campaign, such as performing transactions in the registeredaccounts to fulfill requirements to obtain the benefit of the offercampaign. In one embodiment, the offer campaign is programmed by offerrules that identify the real time interactions with the user in responseto the actions of the user, such as transactions made using any of theregistered accounts of the user. The offer campaign for the user isdriven at least in part by the actions of the user, such as thetransactions made by the user. In one embodiment, transactions in theregistered accounts of the user jointly advances the offer campaign forthe user; and a milestone achieved in the offer campaign using oneaccount of the user is recognized as a milestone achieved by the userwith respect to the multiple registered accounts. Thus, the offercampaign for the user can be advanced by the user via differentaccounts, as if the registered accounts were a same account; and theuser is not limited to using a particular account to participate in theoffer campaign, nor using different accounts to drive the offer campaignseparately, as if the accounts were assigned to different users. Detailsin one embodiment regarding the configuration of real time interactionsusing multiple accounts of a user can be found in U.S. Pat. App. Pub.No. 2014/0074575, the disclosure of which is hereby incorporated hereinby reference.

In one embodiment, the computing apparatus is configured to target thesame offer differently to users based on the media channels used todeliver the offer. An offer can be configured to include firstqualification conditions formulated based on triggering events, such asthe current location of a user, the current transaction of the user asbeing processed by a transaction handler, and second qualificationconditions not based on such triggering events. To users reachable via afirst set of media channels, the first qualification conditions areignored in selecting candidate users for the delivery of the offer; andthe candidate users are selected based on the second qualificationconditions. If the offer has not be delivered to a user via the firstset of media channels, the computing apparatus is configured to deliverthe offer to the user via a second set of media channels, when the usersatisfies both the first qualification conditions and the secondqualification conditions. Details in one embodiment can be found in U.S.Pat. App. Pub. No. 2014/0074599, the disclosure of which is herebyincorporated herein by reference.

In one embodiment, a system and method is configured to allow an offercampaign to be specified based on requirements of transactions withmultiple merchants. Details in one embodiment can be found in U.S. Pat.App. Pub. No. 2014/0129313, the disclosure of which is herebyincorporated herein by reference.

In one embodiment, a single entity operating the transaction handlerperforms various operations in the services provided based on thetransaction data. For example, in the presentation of the personalizedor targeted advertisements, the single entity may perform the operationssuch as generating the intelligence information, selecting relevantintelligence information for a given audience, selecting, identifying,adjusting, prioritizing, personalizing and/or generating advertisementsbased on selected relevant intelligence information, and facilitatingthe delivery of personalized or targeted advertisements, etc.Alternatively, the entity operating the transaction handler cooperateswith one or more other entities by providing information to theseentities to allow these entities to perform at least some of theoperations for presentation of the personalized or targetedadvertisements.

FIG. 5 illustrates a system to provide services based on transactiondata according to one embodiment. In FIG. 5, the system includes atransaction terminal (105) to initiate financial transactions for a user(101), a transaction handler (103) to generate transaction data (109)from processing the financial transactions of the user (101) (and thefinancial transactions of other users), a profile generator (121) togenerate transaction profiles (127) based on the transaction data (109)to provide information/intelligence about user preferences and spendingpatterns, a point of interaction (107) to provide information and/oroffers to the user (101), a user tracker (113) to generate user data(125) to identify the user (101) using the point of interaction (107), aprofile selector (129) to select a profile (131) specific to the user(101) identified by the user data (125), and an advertisement selector(133) to select, identify, generate, adjust, prioritize and/orpersonalize advertisements for presentation to the user (101) on thepoint of interaction (107) via a media controller (115).

In FIG. 5, the system further includes a correlator (117) to correlateuser specific advertisement data (119) with transactions resulting fromthe user specific advertisement data (119). The correlation results(123) can be used by the profile generator (121) to improve thetransaction profiles (127).

In one embodiment, a data warehouse (149) as illustrated in FIG. 6 iscoupled with the transaction handler (103) to store the transaction data(109) and other data, such as account data (111), transaction profiles(127) and correlation results (123). In FIG. 6, a portal (143) iscoupled with the data warehouse (149) to provide data or informationderived from the transaction data (109), in response to a query requestfrom a third party or as an alert or notification message.

In FIG. 6, the transaction handler (103) is coupled between an issuerprocessor (145) in control of a consumer account (146) and an acquirerprocessor (147) in control of a merchant account (148). An accountidentification device (141) is configured to carry the accountinformation (142) that identifies the consumer account (146) with theissuer processor (145) and provide the account information (142) to thetransaction terminal (105) of a merchant to initiate a transactionbetween the user (101) and the merchant.

FIGS. 7 and 8 illustrate examples of transaction terminals (105) andaccount identification devices (141). FIG. 9 illustrates the structureof a data processing system (170) that can be used to implement, withmore or fewer elements, at least some of the components in the system,such as the point of interaction (107), the transaction handler (103),the portal (143), the data warehouse, the account identification device(141), the transaction terminal (105), the user tracker (113), theprofile generator (121), the profile selector (129), the advertisementselector (133), the media controller (115), etc. Some embodiments usemore or fewer components than those illustrated, such as, in FIGS. 5-9,and other figures.

In one embodiment, the transaction data (109) relates to financialtransactions processed by the transaction handler (103); and the accountdata (111) relates to information about the account holders involved inthe transactions. Further data, such as merchant data that relates tothe location, business, products and/or services of the merchants thatreceive payments from account holders for their purchases, can be usedin the generation of the transaction profiles (127).

In one embodiment, the financial transactions are made via an accountidentification device (141), such as financial transaction cards (e.g.,credit cards, debit cards, banking cards, etc.); the financialtransaction cards may be embodied in various devices, such as plasticcards, chips, radio frequency identification (RFID) devices, mobilephones, personal digital assistants (PDAs), etc.; and the financialtransaction cards may be represented by account identifiers (e.g.,account numbers or aliases). In one embodiment, the financialtransactions are made via directly using the account information (142),without physically presenting the account identification device (141).

Centralized Data Warehouse

In one embodiment, the transaction handler (103) couples with acentralized data warehouse (149) organized around the transaction data(109). For example, the centralized data warehouse (149) may include,and/or support the determination of, spend band distribution,transaction count and amount, merchant categories, merchant by state,cardholder segmentation by velocity scores, and spending within merchanttarget, competitive set and cross-section. For example, the centralizeddata warehouse (149) may include the advertisement data (135) and/oroffers of benefits such as discount, reward, points, cashback, etc. Theoffers can be communicated to the users (e.g., 101) via theadvertisement data (135) or as part of the advertisement data (135).

In one embodiment, the centralized data warehouse (149) providescentralized management but allows decentralized execution. For example,a third party strategic marketing analyst, statistician, marketer,promoter, business leader, etc., may access the centralized datawarehouse (149) to analyze customer and shopper data, to providefollow-up analyses of customer contributions, to develop propensitymodels for increased conversion of marketing campaigns, to developsegmentation models for marketing, etc. The centralized data warehouse(149) can be used to manage advertisement campaigns and analyze responseprofitability.

In one embodiment, the centralized data warehouse (149) includesmerchant data (e.g., data about sellers), customer/business data (e.g.,data about buyers), and transaction records between sellers and buyersover time. The centralized data warehouse (149) can be used to supportcorporate sales forecasting, fraud analysis reporting, sales/customerrelationship management (CRM) business intelligence, credit riskprediction and analysis, advanced authorization reporting, merchantbenchmarking, business intelligence for small business, rewards, etc.

In one embodiment, the transaction data (109) is combined with externaldata, such as surveys, benchmarks, search engine statistics,demographics, competition information, emails, etc., to flag key eventsand data values, to set customer, merchant, data or event triggers, andto drive new transactions and new customer contacts.

Transaction Profile Based Operations

In FIG. 5, the profile generator (121) generates transaction profiles(127) based on the transaction data (109), the account data (111),and/or other data, such as non-transactional data, wish lists, merchantprovided information, address information, information from socialnetwork websites, information from credit bureaus, information fromsearch engines, and other examples discussed in U.S. Pat. App. Pub. No.2011/0054981, entitled “Analyzing Local Non-Transactional Data withTransactional Data in Predictive Models,” the disclosure of which ishereby incorporated herein by reference.

In one embodiment, the transaction profiles (127) provide intelligenceinformation on the behavior, pattern, preference, propensity, tendency,frequency, trend, and budget of the user (101) in making purchases. Inone embodiment, the transaction profiles (127) include information aboutwhat the user (101) owns, such as points, miles, or other rewardscurrency, available credit, and received offers, such as coupons loadedinto the accounts of the user (101). In one embodiment, the transactionprofiles (127) include information based on past offer/coupon redemptionpatterns. In one embodiment, the transaction profiles (127) includeinformation on shopping patterns in retail stores as well as online,including frequency of shopping, amount spent in each shopping trip,distance of merchant location (retail) from the address of the accountholder(s), etc.

In one embodiment, the transaction handler (103) (and/or the portal(143)) is configured to provide at least part of the intelligence forthe prioritization, generation, selection, customization and/oradjustment of the advertisement for delivery within a transactionprocess involving the transaction handler (103). For example, theadvertisement may be presented to a customer in response to the customermaking a payment via the transaction handler (103).

Some of the transaction profiles (127) are specific to the user (101),or to an account of the user (101), or to a group of users of which theuser (101) is a member, such as a household, family, company,neighborhood, city, or group identified by certain characteristicsrelated to online activities, offline purchase activities, merchantpropensity, etc.

The profile generator (121) may generate and update the transactionprofiles (127) in batch mode periodically, or generates the transactionprofiles (127) in real time, or just in time, in response to a requestreceived in the portal (143) for such profiles.

The transaction profiles (127) of one embodiment include the values fora set of parameters. Computing the values of the parameters may involvecounting transactions that meet one or more criteria, and/or building astatistically-based model in which one or more calculated values ortransformed values are put into a statistical algorithm that weightseach value to optimize its collective predictiveness for variouspredetermined purposes.

In FIG. 5, an advertisement selector (133) prioritizes, generates,selects, adjusts, and/or customizes the available advertisement data(135) to provide user specific advertisement data (119) based at leastin part on the user specific profile (131). The advertisement selector(133) uses the user specific profile (131) as a filter and/or a set ofcriteria to generate, identify, select and/or prioritize advertisementdata for the user (101). A media controller (115) delivers the userspecific advertisement data (119) to the point of interaction (107) forpresentation to the user (101) as the targeted and/or personalizedadvertisement.

In one embodiment, the user data (125) includes the characterization ofthe context at the point of interaction (107). Thus, the use of the userspecific profile (131), selected using the user data (125), includes theconsideration of the context at the point of interaction (107) inselecting the user specific advertisement data (119).

In one embodiment, in selecting the user specific advertisement data(119), the advertisement selector (133) uses not only the user specificprofile (131), but also information regarding the context at the pointof interaction (107). For example, in one embodiment, the user data(125) includes information regarding the context at the point ofinteraction (107); and the advertisement selector (133) explicitly usesthe context information in the generation or selection of the userspecific advertisement data (119).

In one embodiment, the advertisement selector (133) may query forspecific information regarding the user (101) before providing the userspecific advertisement data (119). The queries may be communicated tothe operator of the transaction handler (103) and, in particular, to thetransaction handler (103) or the profile generator (121). For example,the queries from the advertisement selector (133) may be transmitted andreceived in accordance with an application programming interface orother query interface of the transaction handler (103), the profilegenerator (121) or the portal (143) of the transaction handler (103).

In one embodiment, the queries communicated from the advertisementselector (133) may request intelligence information regarding the user(101) at any level of specificity (e.g., segment level, individuallevel). For example, the queries may include a request for a certainfield or type of information in a cardholder's aggregate spendingprofile. As another example, the queries may include a request for thespending level of the user (101) in a certain merchant category over aprior time period (e.g., six months).

In one embodiment, the advertisement selector (133) is operated by anentity that is separate from the entity that operates the transactionhandler (103). For example, the advertisement selector (133) may beoperated by a search engine, a publisher, an advertiser, an ad network,or an online merchant. The user specific profile (131) is provided tothe advertisement selector (133) to assist the customization of the userspecific advertisement data (119).

In one embodiment, advertising is targeted based on shopping patterns ina merchant category (e.g., as represented by a Merchant Category Code(MCC)) that has high correlation of spending propensity with othermerchant categories (e.g., other MCCs). For example, in the context of afirst MCC for a targeted audience, a profile identifying second MCCsthat have high correlation of spending propensity with the first MCC canbe used to select advertisements for the targeted audience.

In one embodiment, the aggregated spending profile is used to provideintelligence information about the spending patterns, preferences,and/or trends of the user (101). For example, a predictive model can beestablished based on the aggregated spending profile to estimate theneeds of the user (101). For example, the factor values and/or thecluster ID in the aggregated spending profile can be used to determinethe spending preferences of the user (101). For example, the channeldistribution in the aggregated spending profile can be used to provide acustomized offer targeted for a particular channel, based on thespending patterns of the user (101). Further details about aggregatedspending profile can be found in U.S. Pat. App. Pub. Nos. 2010/0306029and 2010/0306032, the disclosures of which applications are here byincorporated herein by reference.

In one embodiment, mobile advertisements, such as offers and coupons,are generated and disseminated based on aspects of prior purchases, suchas timing, location, and nature of the purchases, etc. In oneembodiment, the size of the benefit of the offer or coupon is based onpurchase volume or spending amount of the prior purchase and/or thesubsequent purchase that may qualify for the redemption of the offer.Further details and examples of one embodiment are provided in U.S. Pat.App. Pub. No. 2008/0201226, entitled “Mobile Coupon Method and PortableConsumer Device for Utilizing Same,” the disclosure of which is herebyincorporated herein by reference.

In one embodiment, conditional rewards are provided to the user (101);and the transaction handler (103) monitors the transactions of the user(101) to identify redeemable rewards that have satisfied the respectiveconditions. In one embodiment, the conditional rewards are selectedbased on transaction data (109). Further details and examples of oneembodiment are provided in U.S. Pat. App. Pub. No. 2008/0082418,entitled “Consumer Specific Conditional Rewards,” the disclosure ofwhich is hereby incorporated herein by reference. The techniques todetect the satisfied conditions of conditional rewards can also be usedto detect the transactions that satisfy the conditions specified tolocate the transactions that result from online activities, such asonline advertisements, searches, etc., to correlate the transactionswith the respective online activities.

Further details about targeted offer delivery in one embodiment areprovided in U.S. Pat. App. Pub. No. 2010/0030644, entitled “TargetedAdvertising by Payment Processor History of Cashless Acquired MerchantTransaction on Issued Consumer Account,” and in U.S. Pat. App. Pub. No.2011/0035280, entitled “Systems and Methods for Targeted AdvertisementDelivery,” the disclosures of which applications are hereby incorporatedherein by reference.

Transaction Processing and Data

FIG. 6 shows a system to provide information and/or services based ontransaction data (109) according to one embodiment.

In FIG. 6, the transaction handler (103) is coupled between an issuerprocessor (145) and an acquirer processor (147) to facilitateauthorization and settlement of transactions between a consumer account(146) and a merchant account (148). The transaction handler (103)records the transactions in the data warehouse (149). The portal (143)is coupled to the data warehouse (149) to provide information based onthe transaction records, such as the transaction profiles (127),aggregated spending profile, offer redemption notification, etc. Theportal (143) may be implemented as a web portal, a telephone gateway, afile/data server, etc.

In FIG. 6, the transaction terminal (105) initiates the transaction fora user (101) (e.g., a customer) for processing by a transaction handler(103). The transaction handler (103) processes the transaction andstores transaction data (109) about the transaction, in connection withaccount data (111), such as the account profile of an account of theuser (101). The account data (111) may further include data about theuser (101), collected from issuers or merchants, and/or other sources,such as social networks, credit bureaus, merchant provided information,address information, etc. In one embodiment, a transaction may beinitiated by a server (e.g., based on a stored schedule for recurrentpayments).

The accumulated transaction data (109) and the corresponding accountdata (111) are used to generate intelligence information about thepurchase behavior, pattern, preference, tendency, frequency, trend,amount and/or propensity of the users (e.g., 101), as individuals or asa member of a group. The intelligence information can then be used togenerate, identify and/or select targeted advertisements forpresentation to the user (101) on the point of interaction (107), duringa transaction, after a transaction, or when other opportunities arise.

In FIG. 6, the consumer account (146) is under the control of the issuerprocessor (145). The consumer account (146) may be owned by anindividual, or an organization such as a business, a school, etc. Theconsumer account (146) may be a credit account, a debit account, or astored value account. The issuer may provide the consumer (e.g., user(101)) an account identification device (141) to identify the consumeraccount (146) using the account information (142). The respectiveconsumer of the account (146) can be called an account holder or acardholder, even when the consumer is not physically issued a card, orthe account identification device (141), in one embodiment. The issuerprocessor (145) is to charge the consumer account (146) to pay forpurchases.

The account identification device (141) of one embodiment is a plasticcard having a magnetic strip storing account information (142)identifying the consumer account (146) and/or the issuer processor(145). Alternatively, the account identification device (141) is asmartcard having an integrated circuit chip storing at least the accountinformation (142). The account identification device (141) mayoptionally include a mobile phone having an integrated smartcard.

The account information (142) may be printed or embossed on the accountidentification device (141). The account information (142) may beprinted as a bar code to allow the transaction terminal (105) to readthe information via an optical scanner. The account information (142)may be stored in a memory of the account identification device (141) andconfigured to be read via wireless, contactless communications, such asnear field communications via magnetic field coupling, infraredcommunications, or radio frequency communications. Alternatively, thetransaction terminal (105) may require contact with the accountidentification device (141) to read the account information (142) (e.g.,by reading the magnetic strip of a card with a magnetic strip reader).

The transaction terminal (105) is configured to transmit anauthorization request message to the acquirer processor (147). Theauthorization request includes the account information (142), an amountof payment, and information about the merchant (e.g., an indication ofthe merchant account (148)). The acquirer processor (147) requests thetransaction handler (103) to process the authorization request, based onthe account information (142) received in the transaction terminal(105). The transaction handler (103) routes the authorization request tothe issuer processor (145) and may process and respond to theauthorization request when the issuer processor (145) is not available.The issuer processor (145) determines whether to authorize thetransaction based at least in part on a balance of the consumer account(146).

The transaction handler (103), the issuer processor (145), and theacquirer processor (147) may each include a subsystem to identify therisk in the transaction and may reject the transaction based on the riskassessment.

The account identification device (141) may include security features toprevent unauthorized uses of the consumer account (146), such as a logoto show the authenticity of the account identification device (141),encryption to protect the account information (142), etc.

The transaction terminal (105) of one embodiment is configured tointeract with the account identification device (141) to obtain theaccount information (142) that identifies the consumer account (146)and/or the issuer processor (145). The transaction terminal (105)communicates with the acquirer processor (147) that controls themerchant account (148) of a merchant. The transaction terminal (105) maycommunicate with the acquirer processor (147) via a data communicationconnection, such as a telephone connection, an Internet connection, etc.The acquirer processor (147) is to collect payments into the merchantaccount (148) on behalf of the merchant.

In one embodiment, the transaction terminal (105) is a POS terminal at atraditional, offline, “brick and mortar” retail store. In anotherembodiment, the transaction terminal (105) is an online server thatreceives account information (142) of the consumer account (146) fromthe user (101) through a web connection. In one embodiment, the user(101) may provide account information (142) through a telephone call,via verbal communications with a representative of the merchant; and therepresentative enters the account information (142) into the transactionterminal (105) to initiate the transaction.

In one embodiment, the account information (142) can be entered directlyinto the transaction terminal (105) to make payment from the consumeraccount (146), without having to physically present the accountidentification device (141). When a transaction is initiated withoutphysically presenting an account identification device (141), thetransaction is classified as a “card-not-present” (CNP) transaction.

In general, the issuer processor (145) may control more than oneconsumer account (146); the acquirer processor (147) may control morethan one merchant account (148); and the transaction handler (103) isconnected between a plurality of issuer processors (e.g., 145) and aplurality of acquirer processors (e.g., 147). An entity (e.g., bank) mayoperate both an issuer processor (145) and an acquirer processor (147).

In one embodiment, the transaction handler (103), the issuer processor(145), the acquirer processor (147), the transaction terminal (105), theportal (143), and other devices and/or services accessing the portal(143) are connected via communications networks, such as local areanetworks, cellular telecommunications networks, wireless wide areanetworks, wireless local area networks, an intranet, and Internet.Dedicated communication channels may be used between the transactionhandler (103) and the issuer processor (145), between the transactionhandler (103) and the acquirer processor (147), and/or between theportal (143) and the transaction handler (103).

In FIG. 6, the transaction handler (103) uses the data warehouse (149)to store the records about the transactions, such as the transactionrecords or transaction data (109).

Typically, the transaction handler (103) is implemented using a powerfulcomputer, or cluster of computers functioning as a unit, controlled byinstructions stored on a computer readable medium. The transactionhandler (103) is configured to support and deliver authorizationservices, exception file services, and clearing and settlement services.The transaction handler (103) has a subsystem to process authorizationrequests and another subsystem to perform clearing and settlementservices. The transaction handler (103) is configured to processdifferent types of transactions, such credit card transactions, debitcard transactions, prepaid card transactions, and other types ofcommercial transactions. The transaction handler (103) interconnects theissuer processors (e.g., 145) and the acquirer processor (e.g., 147) tofacilitate payment communications.

In FIG. 6, the transaction terminal (105) is configured to submit theauthorized transactions to the acquirer processor (147) for settlement.The amount for the settlement may be different from the amount specifiedin the authorization request. The transaction handler (103) is coupledbetween the issuer processor (145) and the acquirer processor (147) tofacilitate the clearing and settling of the transaction. Clearingincludes the exchange of financial information between the issuerprocessor (145) and the acquirer processor (147); and settlementincludes the exchange of funds.

In FIG. 6, the issuer processor (145) is configured to provide funds tomake payments on behalf of the consumer account (146). The acquirerprocessor (147) is to receive the funds on behalf of the merchantaccount (148). The issuer processor (145) and the acquirer processor(147) communicate with the transaction handler (103) to coordinate thetransfer of funds for the transaction. The funds can be transferredelectronically.

The transaction terminal (105) may submit a transaction directly forsettlement, without having to separately submit an authorizationrequest.

In one embodiment, the portal (143) provides a user interface to allowthe user (101) to organize the transactions in one or more consumeraccounts (146) of the user with one or more issuers. The user (101) mayorganize the transactions using information and/or categories identifiedin the transaction records, such as merchant category, transaction date,amount, etc. Examples and techniques in one embodiment are provided inU.S. Pat. App. Pub. No. 2007/0055597, entitled “Method and System forManipulating Purchase Information,” the disclosure of which is herebyincorporated herein by reference.

In one embodiment, the portal (143) provides transaction basedstatistics, such as indicators for retail spending monitoring,indicators for merchant benchmarking, industry/market segmentation,indicators of spending patterns, etc. Further examples can be found inU.S. Pat. App. Pub. No. 2009/0048884, entitled “Merchant BenchmarkingTool,” U.S. patent application Ser. No. 12/940,562, filed Nov. 5, 2010,and U.S. patent application Ser. No. 12/940,664, filed Nov. 5, 2010, thedisclosures of which applications are hereby incorporated herein byreference.

Transaction Terminal

FIG. 7 illustrates a transaction terminal according to one embodiment.The transaction terminal (105) illustrated in FIG. 7 can be used invarious systems discussed in connection with other figures of thepresent disclosure. In FIG. 7, the transaction terminal (105) isconfigured to interact with an account identification device (141) toobtain account information (142) about the consumer account (146).

In one embodiment, the transaction terminal (105) includes a memory(167) coupled to the processor (151), which controls the operations of areader (163), an input device (153), an output device (165) and anetwork interface (161). The memory (167) may store instructions for theprocessor (151) and/or data, such as an identification that isassociated with the merchant account (148).

In one embodiment, the reader (163) includes a magnetic strip reader. Inanother embodiment, the reader (163) includes a contactless reader, suchas a radio frequency identification (RFID) reader, a near fieldcommunications (NFC) device configured to read data via magnetic fieldcoupling (in accordance with ISO standard 14443/NFC), a Bluetoothtransceiver, a WiFi transceiver, an infrared transceiver, a laserscanner, etc.

In one embodiment, the input device (153) includes key buttons that canbe used to enter the account information (142) directly into thetransaction terminal (105) without the physical presence of the accountidentification device (141). The input device (153) can be configured toprovide further information to initiate a transaction, such as apersonal identification number (PIN), password, zip code, etc. that maybe used to access the account identification device (141), or incombination with the account information (142) obtained from the accountidentification device (141).

In one embodiment, the output device (165) may include a display, aspeaker, and/or a printer to present information, such as the result ofan authorization request, a receipt for the transaction, anadvertisement, etc.

In one embodiment, the network interface (161) is configured tocommunicate with the acquirer processor (147) via a telephoneconnection, an Internet connection, or a dedicated data communicationchannel.

In one embodiment, the instructions stored in the memory (167) areconfigured at least to cause the transaction terminal (105) to send anauthorization request message to the acquirer processor (147) toinitiate a transaction. The transaction terminal (105) may or may notsend a separate request for the clearing and settling of thetransaction. The instructions stored in the memory (167) are alsoconfigured to cause the transaction terminal (105) to perform othertypes of functions discussed in this description.

In one embodiment, a transaction terminal (105) may have fewercomponents than those illustrated in FIG. 7. For example, in oneembodiment, the transaction terminal (105) is configured for“card-not-present” transactions; and the transaction terminal (105) doesnot have a reader (163).

In one embodiment, a transaction terminal (105) may have more componentsthan those illustrated in FIG. 7. For example, in one embodiment, thetransaction terminal (105) is an ATM machine, which includes componentsto dispense cash under certain conditions.

Account Identification Device

FIG. 8 illustrates an account identifying device according to oneembodiment. In FIG. 8, the account identification device (141) isconfigured to carry account information (142) that identifies theconsumer account (146).

In one embodiment, the account identification device (141) includes amemory (167) coupled to the processor (151), which controls theoperations of a communication device (159), an input device (153), anaudio device (157) and a display device (155). The memory (167) maystore instructions for the processor (151) and/or data, such as theaccount information (142) associated with the consumer account (146).

In one embodiment, the account information (142) includes an identifieridentifying the issuer (and thus the issuer processor (145)) among aplurality of issuers, and an identifier identifying the consumer accountamong a plurality of consumer accounts controlled by the issuerprocessor (145). The account information (142) may include an expirationdate of the account identification device (141), the name of theconsumer holding the consumer account (146), and/or an identifieridentifying the account identification device (141) among a plurality ofaccount identification devices associated with the consumer account(146).

In one embodiment, the account information (142) may further include aloyalty program account number, accumulated rewards of the consumer inthe loyalty program, an address of the consumer, a balance of theconsumer account (146), transit information (e.g., a subway or trainpass), access information (e.g., access badges), and/or consumerinformation (e.g., name, date of birth), etc.

In one embodiment, the memory includes a nonvolatile memory, such asmagnetic strip, a memory chip, a flash memory, a Read Only Memory (ROM),etc. to store the account information (142).

In one embodiment, the information stored in the memory (167) of theaccount identification device (141) may also be in the form of datatracks that are traditionally associated with credits cards. Such tracksinclude Track 1 and Track 2. Track 1 (“International Air TransportAssociation”) stores more information than Track 2, and contains thecardholder's name as well as the account number and other discretionarydata. Track 1 is sometimes used by airlines when securing reservationswith a credit card. Track 2 (“American Banking Association”) iscurrently most commonly used and is read by ATMs and credit cardcheckers. The ABA (American Banking Association) designed thespecifications of Track 1 and banks abide by it. It contains thecardholder's account number, encrypted PIN, and other discretionarydata.

In one embodiment, the communication device (159) includes asemiconductor chip to implement a transceiver for communication with thereader (163) and an antenna to provide and/or receive wireless signals.

In one embodiment, the communication device (159) is configured tocommunicate with the reader (163). The communication device (159) mayinclude a transmitter to transmit the account information (142) viawireless transmissions, such as radio frequency signals, magneticcoupling, or infrared, Bluetooth or WiFi signals, etc.

In one embodiment, the account identification device (141) is in theform of a mobile phone, personal digital assistant (PDA), etc. The inputdevice (153) can be used to provide input to the processor (151) tocontrol the operation of the account identification device (141); andthe audio device (157) and the display device (155) may present statusinformation and/or other information, such as advertisements or offers.The account identification device (141) may include further componentsthat are not shown in FIG. 8, such as a cellular communicationssubsystem.

In one embodiment, the communication device (159) may access the accountinformation (142) stored on the memory (167) without going through theprocessor (151).

In one embodiment, the account identification device (141) has fewercomponents than those illustrated in FIG. 8. For example, an accountidentification device (141) does not have the input device (153), theaudio device (157) and the display device (155) in one embodiment; andin another embodiment, an account identification device (141) does nothave components (151-159).

For example, in one embodiment, an account identification device (141)is in the form of a debit card, a credit card, a smartcard, or aconsumer device that has optional features such as magnetic strips, orsmartcards.

An example of an account identification device (141) is a magnetic stripattached to a plastic substrate in the form of a card. The magneticstrip is used as the memory (167) of the account identification device(141) to provide the account information (142). Consumer information,such as account number, expiration date, and consumer name may beprinted or embossed on the card. A semiconductor chip implementing thememory (167) and the communication device (159) may also be embedded inthe plastic card to provide account information (142) in one embodiment.In one embodiment, the account identification device (141) has thesemiconductor chip but not the magnetic strip.

In one embodiment, the account identification device (141) is integratedwith a security device, such as an access card, a radio frequencyidentification (RFID) tag, a security card, a transponder, etc.

In one embodiment, the account identification device (141) is a handheldand compact device. In one embodiment, the account identification device(141) has a size suitable to be placed in a wallet or pocket of theconsumer.

Some examples of an account identification device (141) include a creditcard, a debit card, a stored value device, a payment card, a gift card,a smartcard, a smart media card, a payroll card, a health care card, awrist band, a keychain device, a supermarket discount card, atransponder, and a machine readable medium containing accountinformation (142).

Point of Interaction

In one embodiment, the point of interaction (107) is to provide anadvertisement to the user (101), or to provide information derived fromthe transaction data (109) to the user (101).

In one embodiment, an advertisement is a marketing interaction which mayinclude an announcement and/or an offer of a benefit, such as adiscount, incentive, reward, coupon, gift, cash back, or opportunity(e.g., special ticket/admission). An advertisement may include an offerof a product or service, an announcement of a product or service, or apresentation of a brand of products or services, or a notice of events,facts, opinions, etc. The advertisements can be presented in text,graphics, audio, video, or animation, and as printed matter, webcontent, interactive media, etc. An advertisement may be presented inresponse to the presence of a financial transaction card, or in responseto a financial transaction card being used to make a financialtransaction, or in response to other user activities, such as browsing aweb page, submitting a search request, communicating online, entering awireless communication zone, etc. In one embodiment, the presentation ofadvertisements may be not a result of a user action.

In one embodiment, the point of interaction (107) can be one of variousendpoints of the transaction network, such as point of sale (POS)terminals, automated teller machines (ATMs), electronic kiosks (orcomputer kiosks or interactive kiosks), self-assist checkout terminals,vending machines, gas pumps, websites of banks (e.g., issuer banks oracquirer banks of credit cards), bank statements (e.g., credit cardstatements), websites of the transaction handler (103), websites ofmerchants, checkout websites or web pages for online purchases, etc.

In one embodiment, the point of interaction (107) may be the same as thetransaction terminal (105), such as a point of sale (POS) terminal, anautomated teller machine (ATM), a mobile phone, a computer of the userfor an online transaction, etc. In one embodiment, the point ofinteraction (107) may be co-located with, or near, the transactionterminal (105) (e.g., a video monitor or display, a digital sign), orproduced by the transaction terminal (e.g., a receipt produced by thetransaction terminal (105)). In one embodiment, the point of interaction(107) may be separate from and not co-located with the transactionterminal (105), such as a mobile phone, a personal digital assistant, apersonal computer of the user, a voice mail box of the user, an emailinbox of the user, a digital sign, etc.

For example, the advertisements can be presented on a portion of mediafor a transaction with the customer, which portion might otherwise beunused and thus referred to as a “white space” herein. A white space canbe on a printed matter (e.g., a receipt printed for the transaction, ora printed credit card statement), on a video display (e.g., a displaymonitor of a POS terminal for a retail transaction, an ATM for cashwithdrawal or money transfer, a personal computer of the customer foronline purchases), or on an audio channel (e.g., an interactive voiceresponse (IVR) system for a transaction over a telephonic device).

In one embodiment, the white space is part of a media channel availableto present a message from the transaction handler (103) in connectionwith the processing of a transaction of the user (101). In oneembodiment, the white space is in a media channel that is used to reportinformation about a transaction of the user (101), such as anauthorization status, a confirmation message, a verification message, auser interface to verify a password for the online use of the accountinformation (142), a monthly statement, an alert or a report, or a webpage provided by the portal (143) to access a loyalty program associatedwith the consumer account (146) or a registration program.

In other embodiments, the advertisements can also be presented via othermedia channels which may not involve a transaction processed by thetransaction handler (103). For example, the advertisements can bepresented on publications or announcements (e.g., newspapers, magazines,books, directories, radio broadcasts, television, digital signage, etc.,which may be in an electronic form, or in a printed or painted form).The advertisements may be presented on paper, on websites, onbillboards, on digital signs, or on audio portals.

In one embodiment, the transaction handler (103) purchases the rights touse the media channels from the owner or operators of the media channelsand uses the media channels as advertisement spaces. For example, whitespaces at a point of interaction (e.g., 107) with customers fortransactions processed by the transaction handler (103) can be used todeliver advertisements relevant to the customers conducting thetransactions; and the advertisement can be selected based at least inpart on the intelligence information derived from the accumulatedtransaction data (109) and/or the context at the point of interaction(107) and/or the transaction terminal (105).

In general, a point of interaction (e.g., 107) may or may not be capableof receiving inputs from the customers, and may or may not co-locatedwith a transaction terminal (e.g., 105) that initiates the transactions.The white spaces for presenting the advertisement on the point ofinteraction (107) may be on a portion of a geographical display space(e.g., on a screen), or on a temporal space (e.g., in an audio stream).

In one embodiment, the point of interaction (107) may be used toprimarily to access services not provided by the transaction handler(103), such as services provided by a search engine, a social networkingwebsite, an online marketplace, a blog, a news site, a televisionprogram provider, a radio station, a satellite, a publisher, etc.

In one embodiment, a consumer device is used as the point of interaction(107), which may be a non-portable consumer device or a portablecomputing device. The consumer device is to provide media content to theuser (101) and may receive input from the user (101).

Examples of non-portable consumer devices include a computer terminal, atelevision set, a personal computer, a set-top box, or the like.Examples of portable consumer devices include a portable computer, acellular phone, a personal digital assistant (PDA), a pager, a securitycard, a wireless terminal, or the like. The consumer device may beimplemented as a data processing system as illustrated in FIG. 9, withmore or fewer components.

In one embodiment, the consumer device includes an accountidentification device (141). For example, a smart card used as anaccount identification device (141) is integrated with a mobile phone,or a personal digital assistant (PDA).

In one embodiment, the point of interaction (107) is integrated with atransaction terminal (105). For example, a self-service checkoutterminal includes a touch pad to interact with the user (101); and anATM machine includes a user interface subsystem to interact with theuser (101).

Hardware

In one embodiment, a computing apparatus is configured to include someof the components of systems illustrated in various figures, such as thetransaction handler (103), the profile generator (121), the mediacontroller (115), the portal (143), the profile selector (129), theadvertisement selector (133), the user tracker (113), the correlator,and their associated storage devices, such as the data warehouse (149).

In one embodiment, at least some of the components such as thetransaction handler (103), the transaction terminal (105), the point ofinteraction (107), the user tracker (113), the media controller (115),the correlator (117), the profile generator (121), the profile selector(129), the advertisement selector (133), the portal (143), the issuerprocessor (145), the acquirer processor (147), and the accountidentification device (141), can be implemented as a computer system,such as a data processing system (170) illustrated in FIG. 9. Some ofthe components may share hardware or be combined on a computer system.In one embodiment, a network of computers can be used to implement oneor more of the components.

Further, the data illustrated in the figures, such as transaction data(109), account data (111), transaction profiles (127), and advertisementdata (135), can be stored in storage devices of one or more computersaccessible to the corresponding components. For example, the transactiondata (109) can be stored in the data warehouse (149) that can beimplemented as a data processing system illustrated in FIG. 9, with moreor fewer components.

In one embodiment, the transaction handler (103) is a payment processingsystem, or a payment card processor, such as a card processor for creditcards, debit cards, etc.

FIG. 9 illustrates a data processing system according to one embodiment.While FIG. 9 illustrates various components of a computer system, it isnot intended to represent any particular architecture or manner ofinterconnecting the components. One embodiment may use other systemsthat have fewer or more components than those shown in FIG. 9.

In FIG. 9, the data processing system (170) includes an inter-connect(171) (e.g., bus and system core logic), which interconnects amicroprocessor(s) (173) and memory (167). The microprocessor (173) iscoupled to cache memory (179) in the example of FIG. 9.

In one embodiment, the inter-connect (171) interconnects themicroprocessor(s) (173) and the memory (167) together and alsointerconnects them to input/output (I/O) device(s) (175) via I/Ocontroller(s) (177). I/O devices (175) may include a display deviceand/or peripheral devices, such as mice, keyboards, modems, networkinterfaces, printers, scanners, video cameras and other devices known inthe art. In one embodiment, when the data processing system is a serversystem, some of the I/O devices (175), such as printers, scanners, mice,and/or keyboards, are optional.

In one embodiment, the inter-connect (171) includes one or more busesconnected to one another through various bridges, controllers and/oradapters. In one embodiment the I/O controllers (177) include a USB(Universal Serial Bus) adapter for controlling USB peripherals, and/oran IEEE-1394 bus adapter for controlling IEEE-1394 peripherals.

In one embodiment, the memory (167) includes one or more of: ROM (ReadOnly Memory), volatile RAM (Random Access Memory), and non-volatilememory, such as hard drive, flash memory, etc.

Volatile RAM is typically implemented as dynamic RAM (DRAM) whichrequires power continually in order to refresh or maintain the data inthe memory. Non-volatile memory is typically a magnetic hard drive, amagnetic optical drive, an optical drive (e.g., a DVD RAM), or othertype of memory system which maintains data even after power is removedfrom the system. The non-volatile memory may also be a random accessmemory.

The non-volatile memory can be a local device coupled directly to therest of the components in the data processing system. A non-volatilememory that is remote from the system, such as a network storage devicecoupled to the data processing system through a network interface suchas a modem or Ethernet interface, can also be used.

In this description, some functions and operations are described asbeing performed by or caused by software code to simplify description.However, such expressions are also used to specify that the functionsresult from execution of the code/instructions by a processor, such as amicroprocessor.

Alternatively, or in combination, the functions and operations asdescribed here can be implemented using special purpose circuitry, withor without software instructions, such as using Application-SpecificIntegrated Circuit (ASIC) or Field-Programmable Gate Array (FPGA).Embodiments can be implemented using hardwired circuitry withoutsoftware instructions, or in combination with software instructions.Thus, the techniques are limited neither to any specific combination ofhardware circuitry and software, nor to any particular source for theinstructions executed by the data processing system.

While one embodiment can be implemented in fully functioning computersand computer systems, various embodiments are capable of beingdistributed as a computing product in a variety of forms and are capableof being applied regardless of the particular type of machine orcomputer-readable media used to actually effect the distribution.

At least some aspects disclosed can be embodied, at least in part, insoftware. That is, the techniques may be carried out in a computersystem or other data processing system in response to its processor,such as a microprocessor, executing sequences of instructions containedin a memory, such as ROM, volatile RAM, non-volatile memory, cache or aremote storage device.

Routines executed to implement the embodiments may be implemented aspart of an operating system or a specific application, component,program, object, module or sequence of instructions referred to as“computer programs.” The computer programs typically include one or moreinstructions set at various times in various memory and storage devicesin a computer, and that, when read and executed by one or moreprocessors in a computer, cause the computer to perform operationsnecessary to execute elements involving the various aspects.

A machine readable medium can be used to store software and data whichwhen executed by a data processing system causes the system to performvarious methods. The executable software and data may be stored invarious places including for example ROM, volatile RAM, non-volatilememory and/or cache. Portions of this software and/or data may be storedin any one of these storage devices. Further, the data and instructionscan be obtained from centralized servers or peer to peer networks.Different portions of the data and instructions can be obtained fromdifferent centralized servers and/or peer to peer networks at differenttimes and in different communication sessions or in a same communicationsession. The data and instructions can be obtained in entirety prior tothe execution of the applications. Alternatively, portions of the dataand instructions can be obtained dynamically, just in time, when neededfor execution. Thus, it is not required that the data and instructionsbe on a machine readable medium in entirety at a particular instance oftime.

Examples of computer-readable media include but are not limited torecordable and non-recordable type media such as volatile andnon-volatile memory devices, read only memory (ROM), random accessmemory (RAM), flash memory devices, floppy and other removable disks,magnetic disk storage media, optical storage media (e.g., Compact DiskRead-Only Memory (CD ROMS), Digital Versatile Disks (DVDs), etc.), amongothers. The computer-readable media may store the instructions.

The instructions may also be embodied in digital and analogcommunication links for electrical, optical, acoustical or other formsof propagated signals, such as carrier waves, infrared signals, digitalsignals, etc. However, propagated signals, such as carrier waves,infrared signals, digital signals, etc. are not tangible machinereadable medium and are not configured to store instructions.

In general, a machine readable medium includes any mechanism thatprovides (i.e., stores and/or transmits) information in a formaccessible by a machine (e.g., a computer, network device, personaldigital assistant, manufacturing tool, any device with a set of one ormore processors, etc.).

In various embodiments, hardwired circuitry may be used in combinationwith software instructions to implement the techniques. Thus, thetechniques are neither limited to any specific combination of hardwarecircuitry and software nor to any particular source for the instructionsexecuted by the data processing system.

Other Aspects

The description and drawings are illustrative and are not to beconstrued as limiting. The present disclosure is illustrative ofinventive features to enable a person skilled in the art to make and usethe techniques. Various features, as described herein, should be used incompliance with all current and future rules, laws and regulationsrelated to privacy, security, permission, consent, authorization, andothers. Numerous specific details are described to provide a thoroughunderstanding. However, in certain instances, well known or conventionaldetails are not described in order to avoid obscuring the description.References to one or an embodiment in the present disclosure are notnecessarily references to the same embodiment; and, such references meanat least one.

The use of headings herein is merely provided for ease of reference, andshall not be interpreted in any way to limit this disclosure or thefollowing claims.

Reference to “one embodiment” or “an embodiment” means that a particularfeature, structure, or characteristic described in connection with theembodiment is included in at least one embodiment of the disclosure. Theappearances of the phrase “in one embodiment” in various places in thespecification are not necessarily all referring to the same embodiment,and are not necessarily all referring to separate or alternativeembodiments mutually exclusive of other embodiments. Moreover, variousfeatures are described which may be exhibited by one embodiment and notby others. Similarly, various requirements are described which may berequirements for one embodiment but not other embodiments. Unlessexcluded by explicit description and/or apparent incompatibility, anycombination of various features described in this description is alsoincluded here. For example, the features described above in connectionwith “in one embodiment” or “in some embodiments” can be all optionallyincluded in one implementation, except where the dependency of certainfeatures on other features, as apparent from the description, may limitthe options of excluding selected features from the implementation, andincompatibility of certain features with other features, as apparentfrom the description, may limit the options of including selectedfeatures together in the implementation.

The disclosures of the above discussed patent documents are herebyincorporated herein by reference.

In the foregoing specification, the disclosure has been described withreference to specific exemplary embodiments thereof. It will be evidentthat various modifications may be made thereto without departing fromthe broader spirit and scope as set forth in the following claims. Thespecification and drawings are, accordingly, to be regarded in anillustrative sense rather than a restrictive sense.

What is claimed is:
 1. A method, comprising: receiving, by a webbrowser, an identifier of a resource from a first merchant website,wherein the identifier of the resource is stored in association with theresource in a data warehouse by a communication portal server; afterreceiving the identifier of the resource, redirecting, by the webbrowser, from the first merchant website to a second merchant website,wherein the second merchant website receives the identifier of theresource from the web browser during the redirecting from the firstmerchant website; initiating, by the web browser, a first transactionwith the second merchant website using the identifier of the resource,wherein the second merchant website communicates a first authorizationrequest message for the first transaction to at least one transactionhandler computer, the first authorization request message comprising theidentifier of the resource in an optional field, and wherein the atleast one transaction handler computer retrieves the identifier of theresource from the first authorization request message and activates theresource stored in the data warehouse in response to retrieving theidentifier of the resource from the first authorization request message;and initiating, by the web browser, a second transaction with the firstmerchant website, wherein the first merchant website communicates asecond authorization request message for the second transaction to theat least one transaction handler computer, wherein the secondauthorization request message includes the identifier of the resource,wherein the at least one transaction handler computer applies theresource to the second transaction in response to receiving the secondauthorization request message, and wherein the resource includes abenefit of an offer applicable to the second transaction from the firstmerchant website, after the first transaction from the second merchantwebsite.
 2. The method of claim 1, wherein, in response to activation ofthe resource, the at least one transaction handler computer detects thesecond authorization request message for the second transaction.
 3. Themethod of claim 1, wherein the identifier of the resource is embedded ina uniform resource locator used to redirect the web browser from thefirst merchant website to the second merchant website.
 4. The method ofclaim 1, wherein the at least one transaction handler computer is on anelectronic payment processing network in which the at least onetransaction handler computer interconnects issuer processors controllingfirst accounts from which payments are made and acquirer processorscontrolling second accounts to which the payments are made.
 5. Themethod of claim 4, wherein activating further comprises: storing atrigger record in the data warehouse, the trigger record identifying asubset of conditions for redemption of the benefit in the secondtransaction; and monitoring, by the at least one transaction handlercomputer, authorization request messages transmitted in the electronicpayment processing network to identify, using the trigger record, thesecond transaction.
 6. The method of claim 1, wherein the at least onetransaction handler computer is configured to process transactions, andwherein the communication portal server is configured to communicatewith websites using communication channels independent of communicationsof the at least one transaction handler computer for the transactions.7. A system, comprising: a web browser configured to: receive anidentifier of a resource from a first merchant website, wherein theidentifier of the resource is stored in association with the resource ina data warehouse by a communication portal server; after receiving theidentifier of the resource, redirect from the first merchant website toa second merchant website, wherein the second merchant website receivesthe identifier of the resource from the web browser during theredirecting from the first merchant website; initiate a firsttransaction with the second merchant website using the identifier of theresource, wherein the second merchant website communicates a firstauthorization request message for the first transaction to at least onetransaction handler computer, the first authorization request messagecomprising the identifier of the resource in an optional field, andwherein the at least one transaction handler computer retrieves theidentifier of the resource from the first authorization request messageand activates the resource stored in the data warehouse in response toretrieving the identifier of the resource from the first authorizationrequest message; and initiate a second transaction with the firstmerchant website, wherein the first merchant website communicates asecond authorization request message for the second transaction to theat least one transaction handler computer, wherein the secondauthorization request message includes the identifier of the resource,wherein the at least one transaction handler computer applies theresource to the second transaction in response to receiving the secondauthorization request message, and wherein the resource includes abenefit of an offer applicable to the second transaction from the firstmerchant website, after the first transaction from the second merchantwebsite.
 8. The system of claim 7, wherein, in response to activation ofthe resource, the at least one transaction handler computer detects thesecond authorization request message for the second transaction.
 9. Thesystem of claim 7, wherein the identifier of the resource is embedded ina uniform resource locator used to redirect the web browser from thefirst merchant website to the second merchant website.
 10. The system ofclaim 7, wherein the at least one transaction handler computer is on anelectronic payment processing network and interconnects issuerprocessors controlling first accounts from which payments are made andacquirer processors controlling second accounts to which the paymentsare made.
 11. The system of claim 7, wherein during activation of theresource, the data warehouse stores a trigger record, the trigger recordidentifying a subset of conditions for redemption of the benefit in thesecond transaction; and the at least one transaction handler computermonitors authorization request messages transmitted in the electronicpayment processing network to identify, using the trigger record, thesecond transaction.
 12. The system of claim 7, wherein the at least onetransaction handler computer is configured to process transactions, andwherein the communication portal server is configured to communicatewith websites using communication channels independent of communicationsof the at least one transaction handler computer for the transactions.13. At least one non-transitory computer storage medium storinginstructions configured to instruct at least one processor to: receive,by a web browser, an identifier of a resource from a first merchantwebsite, wherein the identifier of the resource is stored in associationwith the resource in a data warehouse by a communication portal server;after receiving the identifier of the resource, redirect, by the webbrowser, from the first merchant website to a second merchant website,wherein the second merchant website receives the identifier of theresource from the web browser during the redirecting from the firstmerchant website; initiate, by the web browser, a first transaction withthe second merchant website using the identifier of the resource,wherein the second merchant website communicates a first authorizationrequest message for the first transaction to at least one transactionhandler computer, the first authorization request message comprising theidentifier of the resource in an optional field, and wherein the atleast one transaction handler computer retrieves the identifier of theresource from the first authorization request message and activates theresource stored in the data warehouse in response to retrieving theidentifier of the resource from the first authorization request message;and initiate, by the web browser, a second transaction with the firstmerchant website, wherein the first merchant website communicates asecond authorization request message for the second transaction to theat least one transaction handler computer, wherein the secondauthorization request message includes the identifier of the resource,wherein the at least one transaction handler computer applies theresource to the second transaction in response to receiving the secondauthorization request message, and wherein the resource includes abenefit of an offer applicable to the second transaction from the firstmerchant website, after the first transaction from the second merchantwebsite.
 14. The at least one non-transitory computer storage medium ofclaim 13, wherein, in response to activation of the resource, the atleast one transaction handler computer detects the second authorizationrequest message for the second transaction.
 15. The at least onenon-transitory computer storage medium of claim 13, wherein theidentifier of the resource is embedded in a uniform resource locatorused to redirect the web browser from the first merchant website to thesecond merchant website.
 16. The at least one non-transitory computerstorage medium of claim 13, wherein the at least one transaction handlercomputer is on an electronic payment processing network andinterconnects issuer processors controlling first accounts from whichpayments are made and acquirer processors controlling second accounts towhich the payments are made.
 17. The at least one non-transitorycomputer storage medium of claim 13, wherein during activation of theresource, the data warehouse stores a trigger record, the trigger recordidentifying a subset of conditions for redemption of the benefit in thesecond transaction; and the at least one transaction handler computermonitors authorization request messages transmitted in the electronicpayment processing network to identify, using the trigger record, thesecond transaction.
 18. The at least one non-transitory computer storagemedium of claim 13, wherein the at least one transaction handlercomputer is configured to process transactions, and wherein thecommunication portal server is configured to communicate with websitesusing communication channels independent of communications of the atleast one transaction handler computer for the transactions.